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Working past 65

This FAQ (Frequently Asked Questions) answers common questions about what to do with Medicare if you continue working after turning 65.

Working past 65
Image Credit: working-past-65

I plan to keep working after turning 65, will I still be eligible for Medicare?

Yes, you will be eligible though you may decide to defer your enrollment. Ensure you understand your existing coverage (through an employer, for example), before deciding on whether and which plans to enroll in under Medicare.

How will working beyond 65 impact my Medicare coverage, enrollment and costs?

You may not need to get hospital, doctor or drug coverage through Medicare if you already have these covered through a group health insurance plan. Ask your group plan administrator.

Ensure you understand your existing coverage before deciding on which plans to enroll in under Medicare.

I will be self-employed after turning 65. Does this change anything as far as Medicare goes?

As a self-employed individual, you will have to pay both the employer and employee portions of FICA taxes (Social security and Medicare). All other Medicare coverage and enrollment periods remain the same for the self-employed or employed.

What happens when I finally stop working and am beyond 65?

You need not enroll in Medicare on turning 65 if you have other equivalent coverage. Once that coverage ends, you will be eligible for a Special Enrollment Period (SEP) for enrolling into Medicare.

Ensure that your coverage was equivalent, otherwise you might have to pay late enrollment penalties, which can be substantial and last a lifetime.


Click here to learn more about Medicare, its various Parts, different enrollment periods and your costs. 

We have also created videos to help you better understand various topics related to Medicare. Select and watch a video explaining the topic of your interest in a simple and intuitive manner.

Remember that you cannot choose just any combination of Parts and Plans. Let Lighted Road Insurance guide you step-by-step through the Medicare ecosystem and help you in selecting the right plan(s) for your needs. 

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General / Informational Disclaimers

This website ( contains information about and access to insurance plans for eligible and soon to be eligible Medicare beneficiaries and their advisors. It is operated by Lighted Road Insurance Services, a licensed health insurance agency in the State of California. and Lighted Road Insurance Services are not endorsed by the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult

The purpose of this communication is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. Enrollment in any plan depends on contract renewal.


Last Updated: 01-10-2021